Standard Federal Savings and Loan Association, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$13,610,000	2,591
Total interest expense	$11,615,000	1,521
Net interest income	$1,995,000	7,789
Provision for loan and lease losses	$2,176,000	1,087
Total noninterest income	$9,967,000	599
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$9,967,000	448
Total noninterest expense	$13,742,000	1,146
Salaries and employee benefits	$3,035,000	2,164
Premises and equipment expense	$2,038,000	1,100
Additional noninterest expense	$8,669,000	867
Pre-tax net operating income	$-3,956,000	13,756
Securities gains (losses)	$28,000	5,098
Applicable income taxes	$0	12,680
Income before extraordinary items	$-3,928,000	13,768
Extraordinary gains, net	$0	1,422
Net income	$-3,928,000	13,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,806,000	1,032
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-3,956,000	13,735

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.